@inbook{NBERc7079,
 Crossref = "NBERwise98-2",
 title = "1. Insurance or Self-Insurance? Variation, Persistence, and Individual Health Accounts",
 author = "Matthew Eichner and Mark B. McClellan and David A. Wise",
 BookTitle = "Inquiries in the Economics of Aging",
 Publisher = "University of Chicago Press",
 pages = "19-49",
 year = "1998",
 month = "January",
 URL = "http://www.nber.org/chapters/c7079",
}
@book{NBERwise98-2,
 title = "Inquiries in the Economics of Aging",
 author = "David A. Wise",
 institution = "National Bureau of Economic Research",
 type = "Book",
 publisher = "University of Chicago Press",
 year = "1998",
 URL = "http://www.nber.org/books/wise98-2",
}